Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower; the description still earns credit by clarifying that this is a pure link-retrieval despite the 'checkout' name, that payment happens externally and 'nothing is charged by this tool,' and that Gumroad is merchant of record with promo codes applied only while a sale is live. It does not cover rate limits or link expiry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.